Florida Medical & Travel Insurance Info B4 You Go!

FH_Brit

Naz - depends what Bupa policy (Bupa International is great!)

FH_Brit

Birdy Fortis = very few problems (my favorite insurer).

FH_Brit

Vix - Oh dear! where do I start.

1. Ash & flights - This is a known event and no insurer will cover this Volcano's erruptions. Insurance = against UNKNOWN events.
2. Stranded in Orlando (there are worse plaes to be stranded!) Again (see 1 above) if it is because of that you will not be covered. If you are covered then the insurer (taking you have a half decent IC) may cover accom, food and possibly basic car hire (enough for transport but not if you rent a Rolls Royce!).

However - some policies will NOT cover food, as you would have to feed yourselves if you were at home (and it's actually cheaper here). ALL of this doe depend treendously on the policy T&C's and as so many policies exist, it is impossible to tell from what you have put and my post is VERY basic indeed.

I have not heard of this Premiere insurance and (always being the "Eeyore" seeing the gloomy side of insurance) I am VERY concerned that they "don't ask"! IC's (poor ones) are renowned for giving excuses and denying claims because of PEMC's and I bet this company in the event of you making a claim will "link" your claim condition to one (or more) of your PEMC's.

Is this Premiere a UK based Insurer? (You said European).

Your opinion - "not pose a threat of needing emergency treatment " I bet your insurer does not think so. Gastric Bands (& all Bariatric Surgeries/Procedures) are considered a risk - albeit a small one compared to other PEMC's.

Cellulitis can flare up (with non-normal exposure to sun) andtherefore could be considered a risk.

When an IC says "you don't have to declare" I am very concerned that you have a poo insurer and the policy is worth "squat"!

My brother has just booked his insurance (he is visiting with me this summer) and he had Kidney Cancer and onme company quoted £1,050.00 for his family and would not cover his Cancer, Wife & Dauyghters Astma, Wife' Back Arthritis. He found one (I think linked from McMillan site) coverd him and family AND ALL PEMC's for £104.50! I'll ask him wher he got insured and get back to you.

naz101

FH_Brit wrote: »

Naz - depends what Bupa policy (Bupa International is great!)

Im still waiting for the documents. Its the travel insurance that gives you the options for a single trip or multi.
gives you the 24 hr emergency line? is that the same thing?

sorry just checked. dont think it is the international. I have gone through bupa uk and got the travel insurance through them

cookiejl

I am looking for a bit of advice please. I have booked a holiday for myself, my diabetic husband and my 2 children to Orlando in June.

As well as being a diabetic my husband has also had sligtly high blood pressure and slightly raised cholesterol but not so high that they needed treatment but it will be on his records that this was the case. Statins were suggested but he refused them and everything now is at a normal level. He has also had a mole removed recently and as yet we don't know whether it was a dangerous one.

My problem is that we paid for part of the holiday with Tesco vouchers (£2,000) and Tesco Travel Insurance will cover the vouchers but will not cover my husbands ailments as well.

Can you please make any suggestions/recommendations as to what type of policy we should go for.

Thanks in advance.

Incapuppy

cookiejl wrote: »

He has also had a mole removed recently and as yet we don't know whether it was a dangerous one.
.

I would think it highly unlikely that any insurer will cover this as it is as yet an undiagnosed condition.

Note for FH Brit - I advised cookiejl in another thread that I had used these people last year for a 2 week trip to Bali as they were the only insurers I could find that covered both the Tesco clubcard voucher scheme and PEMCs but they she ask your advice on their reliability:

http://www.travelinsuranceweb.com/pre-existing-medical-condition.htm

j45wan

FH_Brit wrote: »

Vix - Oh dear! where do I start.

1. Ash & flights - This is a known event and no insurer will cover this Volcano's erruptions. Insurance = against UNKNOWN events.
.

I'm due to fly out to Florida early May. Concerned that we might get stranded out there. What I don't understand is - I agree the Volcano erupting is an known event but the erruption affecting my flight is an unknown ..surely? Say flights start up again and I go on holiday then whilst I am out there flights are stopped and I get stranded. It is not a known event that the volcano will start affecting flights again so should this not be classed an unknown event? Are you saying that this will not be the case?

Cheers

J

FH_Brit

naz101 wrote: »

Im still waiting for the documents. Its the travel insurance that gives you the options for a single trip or multi.
gives you the 24 hr emergency line? is that the same thing?

sorry just checked. dont think it is the international. I have gone through bupa uk and got the travel insurance through them

Well I was not meaning that regular Bupa is poo! I meant off the top of my head Bupa Int'l was good policy as I remember. They all have 24 hr help lines and they usually are agents and not the actual insurer anyway.

I hust looked at their site and the claim forms - it's the same as their int'l policy - they are theur own underwriters and you are ok withthis policy

naz101

FH_Brit wrote: »

Well I was not meaning that regular Bupa is poo! I meant off the top of my head Bupa Int'l was good policy as I remember. They all have 24 hr help lines and they usually are agents and not the actual insurer anyway.

I hust looked at their site and the claim forms - it's the same as their int'l policy - they are theur own underwriters and you are ok withthis policy

thanks FH Brit. I wasnt meaning that you thought its was rubbish. I was just trying to describe the policy as I couldnt really see anything to describe it as:o

you have put my mind at ease as I will be there for 2 months...

FH_Brit

j45wan wrote: »

I'm due to fly out to Florida early May. Concerned that we might get stranded out there. What I don't understand is - I agree the Volcano erupting is an known event but the erruption affecting my flight is an unknown ..surely? Say flights start up again and I go on holiday then whilst I am out there flights are stopped and I get stranded. It is not a known event that the volcano will start affecting flights again so should this not be classed an unknown event? Are you saying that this will not be the case?

Cheers

J

Bear in mind I am NOT an insurance company I just deal with, and know them a lot. I will assume that the IC's will continue to rule out this volcano until such a time that the geologists say it is again dorment at the very least. They could rule out this particular volcano for months or even years idf it continues to "bubble".

It's not weather flights are flying or not rather than if the volcano has stopped errupting.

And knowing IC's (especially the lower forms of insurer) this will be a way to make money - i.e. like swine flu, everyone is gonna be in a panic and want volcano coverage. The IC's will not offer coverage on general policies and therefore all you travelers will call up to get volcano coverage and then you'll get "bumped up" on your premiums as it will be an "add on coverage"